Business funding for daycares and childcare centers.
Capital for expansions, classroom build-outs, playground upgrades, and second-location openings. Available in all 50 states. Decisions in 24 hours.
Built for daycares and childcare centers. Built for speed.
Daycare operators face capital pressure tied to enrollment cycles, classroom compliance upgrades, and second-location openings that can't wait for traditional bank timelines. ShopFunders funds classroom expansions, playground upgrades, safety compliance, and multi-location growth for daycares, Montessori schools, learning centers, and after-school programs.
Decisions in 24 hours
Submit before noon, get a decision by end of day. Most banks take weeks — we commit to 24 hours, every time.
No collateral, no PG
We fund based on your business's revenue. No home pledged, no personal guarantees, no liens on your assets.
Industry-specific structures
Repayment structured around tuition cycles and enrollment patterns.
Capital that solves real daycare or childcare center problems.
Daycare Owners face the cost of classroom build-outs, playground compliance upgrades, staff ratio requirements, and second-location capital. Our funding is built for that — fast capital you can deploy for classroom expansions, playground upgrades, second-location openings, or working capital between tuition cycles.
Three steps. Zero runaround.
Apply in 2 minutes
Tell us about your daycare or childcare center and how much capital you need. No credit check to apply.
Decision in 24 hours
Our underwriting team reviews same-day. We say yes fast — or tell you exactly what we'd need to get there.
Funded in 24–72 hours
Sign your term sheet, send your bank statements, and capital lands in your business account.
Real owners. Real reviews.
"Literally the best. The team at ShopFunder are professional and second to none when it comes to meeting or exceeding expectations."
"ShopFunder is A1! Helped so much!"
Daycare & Childcare Centers funding FAQ.
Do you fund daycare chains and Montessori schools?
Can I use this for a second-location build-out?
Will this affect my state licensing?
What's the minimum monthly revenue?
Daycare & Childcare Centers funding in all 50 states.
We fund daycares and childcare centers anywhere in the U.S. Pick your state to see local funding details, common use cases, and underwriting criteria.
Capital that moves at your speed.
Apply in about 2 minutes. No collateral. No credit impact to apply. Decision in 24 hours.
Apply Now →$25K–$500K+/month · No collateral · Funds in 24–72 hrs
How daycare and childcare funding actually works
Childcare economics are ratio economics: licensing requires the staff before you can enroll the children, so growth means carrying payroll ahead of the revenue it unlocks. Add build-out and safety requirements, playground equipment, and state subsidy programs that reimburse on their own timeline, and expansion gets expensive fast.
Working capital carries payroll and enrollment marketing through a ramp; facility capital funds classroom build-outs, playgrounds, security systems, and vehicles. Both repay from tuition revenue as enrollment catches up.
What childcare owners qualify for
Most childcare centers qualify for $10,000 to $2,000,000 based on monthly revenue — typically 3+ months in business and roughly $10,000+ per month. Recent business bank statements are all it takes to start, decisions arrive in about 24 hours, and funds typically land within 24–72 hours of accepting.